Date Received: 2024-02-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I called Citi Bank Card Customer Service to report a change of address. Their representative, XXXX, wanted to speak with the primary card holder, but that person is deceased, so XXXX immediately transferred my call to the Estate Department. XXXX, at this department, immediately canceled the card and said that I could apply for a card in my name. She transferred me to another person who took the information for another card. I was subsequently denied a new card in my name for no apparent reason. On XX/XX/XXXX I called Citi 's Customer Service to verify what was needed to redeem the points accrued on the closed credit card. XXXX, in the Probate Department, advised that I had year to redeem the points. On the same day I wrote to Citi 's Thank You Service Center, providing a Death Certificate and mailed the letter on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Citibank, NA Customer Service stating that they, " are unable to approve this request because we did not receive the necessary information within one year of the cardmember 's passing ''. The points accrued on the account total {$380.00}. I have been an authorized user of this card since XXXX. My name is on the card. And, I earned the accrued points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19348
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX, XX/XX/XXXX, I called AAdvantage by Citibank to change the credit card type I had applied for. I having been trying to get a credit card that would give me airline mileage. I have excellent credit. XXXX turned me down twice ( after telling me to reapply again after being denied the first time ) so I obtained XXXX ( Platinum ) from Citibank but realized it was not the one I wanted. I called Citibank back after being accepted and asked them to upgrade the card to Platinum Select. They said I would have to cancel the first card and reapply for the Platinum Select. I asked them to cancel the card ( which I had not even received yet ) and told them I would reapply. Once I did this, I reapplied for the Platinum Select Citibank card. They denied me and told me I had applied too many times and would have to wait 48 months!!!! What the XXXX? I reapplied when they told me to, then my score was downgraded I and I can't get their XXXX credit card! Everything works against the consumer with these credit card companies and no one is overseeing them properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Date : XX/XX/XXXX at XXXX EST Disagreement with Citi Credit Card XXXX findings that this did not impact my credit On XX/XX/XXXX Citi in a letter reviewed my account and my credit limit was systematically increased from {$9800.00} to XXXX. A {$3700.00} increase in credit limit. In review of my account, Citi increase my credit limit which had to be in good standing for Citi to increase my credit limit. ( I personally did not request an increase in credit limit ). On XX/XX/XXXX Citi decreased my credit limit from {$13000.00} to {$8300.00} a XXXX decrees from my original credit limit at {$9800.00} I had in the last XXXX years. With a total of {$5100.00} minus credit which made my balances with only Citi Bank closer to my limits because Citi lowered my credit limit {$1400.00} lower than my Credit limit I had for the last 10 years. In your letter, you state that you couldn't determine how reporting this account will affect my credit score it depends on actions taken by other creditors and valuables outside of cities control. This was in control of Citi Bank in your letter, you stated XXXX showed high credit balances ok. It also SHOWS EXCEPTIONAL PAYMENT HISTORY. Nothing negative or derogatory on any of my credit reports, You stated in your letter that my payments were low on XXXX of more accounts which is not true. Citi increased my limit I have an exceptional payment record with you, so what could had possibly happen in XXXX months to justify the lowering my credit below what I previously had and removing the increase credit limit. In your letter, it states our understanding that you do not wish to have the credit limit review for reinstatement, so therefore no further actions was taken. I stated to correct this problem you have to put my credit back, and the only way to do that was to put my credit limit back to where it was {$9800.00}. You do not have anything negative on any credit reports for you to remove the credit limit on lower it? I stand by my credit, history and payment history for the last 10 years or more so what happened? It can not be the way I pay my creditors, including Citi that is exceptional. Please Revised I hope this can be resolved as soon as possible, and no further action is necessary My original question what happened? Why did this occur if I have an exceptional payment history with you and other creditors. FYI my credits Reports have been frozen lock in the last 14 years I will have to call each agency to release the Freeze on my credits reports. In this case, I did not release any Credit report Freezes XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Back on XX/XX/23 my credit card was used for about a week multiple times for unknown user and unauthorized. Took the credit cards company about a week to realize that the use on my card was suspicious. After two months of investigation they came up with I was responsible for those transactions because my card was used at the time of the transaction. My card maybe cloned because I didnt do does transactions. I requested to speak with a supervisor an its been a month and I still waiting, I filed a police report and the credit card company its getting back to me with that information. I have been trying to get in touch with the person investigating unsuccessfully despite my multiple tries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2023 and hard inquiries appears on my credit report from a company name CITI RETAIL SERVICES- US I dont recognize this at all I would more then like it be remove thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Reports of several late payments ; and CBNA has not provided any documentation to prove otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Over the past XXXX years Citibank has repeatedly let third parties into our credit card account. Their customer service people dont use the verbal password which supposedly is required for access. As a result, they have had to issue us many new credit cards, and cancelled our old ones, often leaving us without a credit card while traveling. When we return home and try to activate the new cards, they refuse to talk with us until after they mail us a code which takes even more time. Because of the many problems, a supervisor in fraud set up a second level password, which they also dont use. Our file of interactions with Citibank is a great example of poor customer service, incompetence, and nonsensical policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98040
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Around the end of XX/XX/XXXX I opened a card with Citibank and initiated balance transfer from another account with XXXX. As of XX/XX/XXXX this transfer is now on my Citibank account and I am paying on that account. However, there is no credit on the XXXX Account and XXXX states no credit has been sent to them. I have reached out multiple times on for the results of an investigation by Citibank and keep being told it will be a further " XXXX business days. '' There is no one who can give me any actionable information and there is no offer to expedite this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: incident occurred XX/XX/XXXX ( according to citibank customer service phone ) CREDIT LIMIT DECREASE DURING PANDEMIC FOR NO REASON WITHOUT ANY PROPER NOTICE GIVEN PRIOR TO THE REDUCTION ... .... Citibank decreased my credit limit when i was in good standing by reducing credit causing maxing out all 3 of my citicards that already had a high balance. credit limit was reduced by as much as {$8000.00} or more causing my cards to be unusable during a worldwide pandemic and national crisis. ( example {$28000.00} on one card was reduced to {$20000.00} while i had a balance of {$20000.00} in debt. once pending charges already made were posted the card maxed out at {$20000.00} and was unusable until I made payments. ) I was given no notice by phone or email, I was just unable to use the card to make purchases all the sudden. No customer service representatives were available to answer at the time due to long hold times and very few employees working. I believe citbank retaliated against me for asking for payment forgiveness a few months back in XXXX where they allowed consumers XXXX months of putting minimum payments on hold until they could get financial stability. A month later in XXXX I got a letter in the mail stating my credit limit had been reduced based on a credit report recently pulled which was not proper notice of the decrease as it has already been implemented causing my hardships. CITIBANK SAID THE REDUCTUCTION IN CREDIT WAS A RESULT OF A CREDIT REPORT FROM A MAJOR REPORTING AGENCY. I firmly believe citibank either didnt report i was on payment forgiveness and may have reported to credit reporting agencies I failed to make payments lowing my credit score. WHEN I SIGNED UP FOR PAYMENT FORGIVENESS IT WAS NOT DISCLOSED OR PROPERLY MENTIONED THAT MY CREDIT LIMITS WOULD BE AFFECTED FROM THE PAYMENT FORGIVENESS OR PLACING MINIMUM PAYMENTS ON HOLD. I suffered XXXX health issues from stress and hardships having to use another high interest rate credit card during this period where my card was at the maximum limit and I was unable to make some purchases needed during the pandemic. citibank has failed to respond to my claim by email and said it would take -- -14 days to respond -- -- -- I dont think this is a reasonable period of time and citibank is not taking the issue very seriously only sending pre-typed emails saying they have received my complaint but no response. Just like victims of XXXX XXXX years later who are now prosecuting their attackers, I believe citibank took advantage of me and had leadership that was dishonest like XXXX XXXX during the pandemic leading to decisions like this one. AMONG RECENT ALIGATIONS THAT CITIBANK DISCIMINATED AGAINST CERTAIN PEOPLE AT THIS EXACT SAME TIME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Around late XXXX XXXX XXXX citibank froze and began the process of closing my account. They would not identify their reasoning. I was unable to stop my XXXX social security payment of {$850.00} from entering the account in time but per the US Treasury, it did enter the account despite the fact that citi 's email regarding the account closure said further deposits would be blocked. Additionally, there was approximately {$990.00} and change in account in question that they're refusing to release. Again they will not provide any further information and have been completely intransigent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A